Strategy investing in UT

#warning! entry ini ada unsur teknikal.. jika tidak sedia, sila refer entry gossip di bawah!
(PG5 - saya klasifikasikan entry ini parental guide for child below 5 hahaha.. sape yg ade anak kecil sila bace ketika mereka tdo, supaya tidak kaco u ols punya concentration ehehe)

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tapi sebelum itu; saya nak abadikan 5 reason tambahan (dari wife upline saya ehem2)
kenapa saya join Public Mutual selain dari sebab2 yg pernah dinyatakan sebelum ini

so 5 reason tambahan tersbut adalah spt berikut:
1. upline si saya mr jektot ada dekat di mlk.
2. opis/branch PM satu jalan dgn facial shop, so senang singgah.
3. if malas nk isi borang, wife upline sedia utk tolong isikan.. bagus betui!
4. boleh terus jektot explain kat client saya if kes saya malas... lagi? haha
5. dan plg penting! kita (:refer to saya n mrs jektot) boleh lepak selalu together2. hahaha syiok2

kerana alasan2 (sebahagiannya) inilah membuat kan saya berjaya utk renew license saya semula with PM. ekeke

top of that, saya dapat tambah byk ilmu investing in UT dgn pergi join 1 day training class for only RM10 with free meal heheks
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UT-unittrust*

so sini saya nak jelaskan kondisi ngape saya end up jd agent UT ops start now, im referring myself as UT consultant..

ada beza tau antara agent n consultant ni.
agent: he/she just collect n sales the UT to get her komisyen
but as for
consultant: he/she should be ur navigator to achieve ur investment target in UT.
komisyen tu somehow kekadang tak balik modal pun dgn usaha seorang consultant tu dah buat-consider if she/he really do it well. hmm did i sound bias ere?

.. ok saya akan relate kan the different later after i discuss on STRATEGY to invest in UT.

ok. tis part ni pun dah bole bezakan seorg yg approach kita tu consultant or just an agent.

ok saya admit saya dlu pun react as agent. sbb saya sendiri sebelum ni, tak dapat ape yg saya nak faham dari investment tru UT ni.
mmg upline kita masa tu kawan kita sendiri, tapi mungkin saya tak approach die sebetul2nya. so far after join 2months UTC under PM saya rasa ilmu saya berkembang 100%++ compared to previous 1 yr as UTC under Apx.

ok2.. korg bukan nk bace sangat ape yg saya bebel. dari tadi dok tunggu ape point strategy investing in UT ni kan kan kan...

well.. STRATEGY investing in UT is simple..

1. long term
2. regular

3. asset allocations

as consultant, our job should HELP the investor by EDUCATE them, but not just simply act as agent who try to make decision for their client.

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1. LONG TERM strategi 

1, dah bnyk kali saya citer sebelum ni. which is, UT tak same objective macam beli insurance. not so high risk macam main saham sekaligus bukan juga skim cepat kayoss!
high risk high return - but we also can make it high return with UT if we make it for long term investment. boleh refer pada pic kat bawah.

2. REGULAR strategi 2.

investing in UT bukan main tikam2 bila market akan turun/naik... tapi risiko turun naik saham boleh dikurangkan dgn buat regular investment
hmm ini lah strategi yg saya sendiri tersilap. agent saya tak explain betul2 macam mana investing regularly in UT can make more profits - compare if we just make it lump sum and wait for the break even!
certain agent, maybe gairah nk dapat duit komisyen. sampai tak sempat nk educate her/his customer very well.
(icon2 kat gambar di atas dah menunjukkan wajah2 kita terhadap prestasi investment kita)

if we do long term, tgk pd hasil yg akhir..
and if we do regular, masalah turun naik market price, kita dah tak pedulik pun.

ok kalau korg faham dan terima 2 strategies sebelum ni dan sedia utk invest (cash/EPF money) in UT, korg dah boleh calling2 saya for further explanation strategy ke 3 ni..

3. ASSET ALLOCATION ok utk strategi ni, saya tak rase sesuai explain by bebel2 kat sini jer ke.. utk tahu ni, maybe we need to discuss face to face. so kite leh lukis2 the pie chart hehehe

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tahap kesedaran kita (:mim lam ya wau) dalam pelaburan ni masih kecil bilangannya, if we compare to mereka (:cha ya nun alif).

any investor is advised to monitor their investment portfolio every 6 months. so if tade mase, tgk dalam 6 bln gtuh pun ok. tapi kalau kita make it long term, after 3 yrs, our money will growth, InsyaAllah!

next week entry saya will cover topic Risk in investment plak. entry serius takle selalu2, visitor blog ni suka layan gossip2 hahah

p/s: saya berazam, nk jadi good consultant utk adik bradik n kawan2 rapat lepas ni.

p/p/s: those yg dah pernah invest kat Apx sblm ni, korg nk top up lagi x investment sementara harge murah ni?